Affordability
Tools and insights to help you understand your buying power.
Latest in Affordability
View All →The 43% DTI Wall: Why a New Lending Rule Just Slashed Your Budget by $45,000
Debt-to-Income (DTI) ratios are the silent killers of home applications. This report explains how a minor shift in lender math effectively lowers a buyer's max budget by five figures.
The Rent-to-Equity Glitch: Why Buying at 7% Wins in Exactly 48 Months
The 'Rent vs Buy' debate is stuck in 2019 logic. DecisionMath identifies the exact 48-month 'Glitch' where even a high-rate mortgage outperforms renting.
The $150 Mortgage Hack Lenders Don't Mention (And Why it Beats a Refi)
While millions wait for rates to drop to refinance, strategic homeowners are using a "Recast" to slash monthly payments for a fraction of the cost. We audit the math.
The 760 Credit Score Plateau: Why Chasing 800 Can Cost You $12,000
The obsession with a "Perfect 800" is costing homebuyers five figures in opportunity cost. We audit the lender pricing grids to show you the real finish line.
The 20% Down Payment Trap: Why Buyers are Choosing 3.5% Instead
For decades, the 20% down payment was the gold standard of financial prudence. In 2026, the math has shifted. We audit why holding onto your cash is the most aggressive wealth-building move.